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Accelerated Rewards
Earn up to 2 Reward Points on every ₹100 spent
Monthly Milestone Lift
Earn 2 Reward Points per ₹100 on incremental spends when you cross ₹5,000 spends in a cycle
Utility Made Easy
500 Bonus Reward Points on each successful Recurring Transaction setup*
Shrink bills with Xpress EMI
Manage your Credit Card bills by converting transactions of ₹500 and above with a minimum total value of ₹2,000 into EMIs.
Fuel Surcharge Waiver
Save 1% surcharge on fuel spends ₹400–₹5,000 across India* (Maximum ₹100 per statement cycle)
AU Rewardz
Redeem your Reward Points for a range of amazing benefits
Contactless Payments
Make quick, secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with a digitally added card on a POS machine and earn 2 Reward Points on every Rs.100 spent
Add-on Cards
Offer your Credit Card benefits to your loved ones through the lifetime-free add-on card
Things to know
Eligibility
- Primary cardholder age group
- Self Employed: 25 years to 65 years
- Salaried: 21 years to 60 years
- Add-on cardholder
- Should be over 18 years
- Resident Indian
These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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View balance and transactions
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Download account statement
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Request cheque book
40+ lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
FAQs
What is the joining fee for the AU Prathama Credit Card?
The joining fee for the AU Prathama Credit Card is ₹100 + GST. Joining Fees is charged on card activation.
Is there any joining fee waiver on this card?
No, there is no joining fee waiver on the AU Prathama Credit Card.
What is the annual fee and how can it be waived?
The annual fee is ₹100 + GST. This fee will be waived once Cardholders spend ₹75,000 or more in the card anniversary year.
Annual Fees is charged every year on completion of card anniversary if spends criteria is not met.
Card Anniversary Year is the period from the card issuance date/card anniversary date + 364 days. For Example, if your card was issued on 27th April 2026, your card anniversary date will be the same day of the next year, on 27th April 2027.
Are there any welcome benefits on this card?
No, there is no welcome benefit offered on the AU Prathama Credit Card.
How can I earn accelerated Reward Points?
You earn 2 Reward Points per ₹100 spent on contactless (Tap & Pay) transactions.
What Reward Points do I earn on other spends?
You earn 1 Reward Point per ₹100 spent on all other eligible transactions.
Reward Points are not earned on Fuel, EMI transactions/conversions, Cash withdrawals/cash‑like transactions, Rent payments, Transportation, Education fees, and Government payments (and similar excluded categories as per card rules).
Are there any milestone benefits on this card?
Yes. On spending ₹5,000 in a statement cycle, you earn 2 Reward Points for every incremental ₹100 spent during the same cycle.
Is there any benefit on Standing Instruction (SI) transactions?
Yes. You earn 500 BONUS Reward Points on every successful Standing Instruction (SI) setup.
Conditions:
- You can earn Bonus Reward Points only once for each merchant in lifetime
- Offer is valid only on successful, settled transactions only. Cancelled, reversed, failed, disputed, chargeback or refunded (full/partial) transactions are not eligible
- Repeat setups with the same merchant do not qualify again.
Is fuel surcharge waiver available on AU Prathama Credit Card?
Yes. You get a 1% fuel surcharge waiver, up to ₹100 per statement cycle on fuel transactions between ₹ 400 and ₹ 5,000
What additional benefits does the card offer?
With the Prathama Credit Card, cardholders will get Card Liability Cover, Credit Shield, and Device Protection Plan.
